
Residential Criteria Guide
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Nationality & Residence
UK and EEA nationals
Full 3 years’ residential history required.
Non-EEA nationals
Skilled Worker or Health & Care VISA accepted with the following criteria :
- A minimum of 1 years residency in the UK A valid UK Skilled Worker (formerly tier 2 VISA) or Health & Care VISA.
- A minimum of 6 months remaining on the VISA at application.
- Tiered LTV approach for Residential applications based on customers length of residency in the UK:
o 1 year residency up to 80% LTV
o 2 years residency up to 85% LTV
o 3 years up to 90% LTV
- Minimum Income of £50k for Residential customers on an individual basis.